2 1 Shi Ji Jing Ji Bao Dao·2025-10-29 09:18Core Viewpoint - Both Ningbo Bank and Nanjing Bank have shown over 8% growth in revenue and net profit in the first three quarters of 2025, despite the ongoing pressure in the banking sector [1] Financial Performance - Ningbo Bank reported operating income of 54.976 billion yuan, a year-on-year increase of 8.32%, and a net profit of 22.445 billion yuan, up 8.39% [1] - Nanjing Bank achieved operating income of 41.949 billion yuan, a year-on-year growth of 8.79%, and a net profit of 18.005 billion yuan, an increase of 8.06% [1] - Ningbo Bank's total assets reached 3.58 trillion yuan, while Nanjing Bank's total assets were 2.96 trillion yuan as of the end of Q3 2025 [1][5] Business Segments - Corporate banking significantly contributed to revenue, with Nanjing Bank's corporate loans reaching 1.07 trillion yuan, a growth of 14.63% year-on-year [2] - Ningbo Bank's corporate loans accounted for 69% of total loans, while personal loans decreased to 31% [6] - Nanjing Bank's personal loans grew by 11% year-on-year, but the growth rate was lower than that of corporate loans [6] Cost Management - Nanjing Bank's cost-to-income ratio improved to 23.27%, a decrease of 4.81 percentage points year-on-year [3] - Ningbo Bank's cost-to-income ratio was 30.68%, stable compared to the previous quarter [3] Asset Quality - Nanjing Bank maintained a non-performing loan (NPL) ratio of 0.83% and a provision coverage ratio of 313.22% [4] - Ningbo Bank's NPL ratio was 0.76%, with a provision coverage ratio of 375.92%, indicating strong risk mitigation [4] Investment Income - Both banks experienced a decline in investment income due to market volatility, impacting overall revenue [7] - Despite the drop in non-interest income, both banks saw significant growth in commission and fee income, particularly in retail banking [7][8] Wealth Management - Ningbo Bank reported a substantial increase in net fee income, growing by 94.02% year-on-year in Q3 [8] - Nanjing Bank's retail banking segment achieved a revenue growth of 22.10%, with a notable increase in wealth management clients [7][8]